Today, I received a notice from Ant Group that I would either collect debts or go to court.

According to the relevant information, the subject wants to ask, "Do you need to go to court after receiving the debt collection notice from Ant Group? I don't need to go to court at the beginning of debt collection. Advance payment: after everyone is overdue, the staff of Ant Borrowing will remind the borrower to repay the loan in time by SMS, telephone, etc. In the early stage of collection, the attitude of collectors will be friendly and the frequency of collection will not be very high. Mid-term collection: after the borrower is overdue 1 week, the collection of ants borrowing money will gradually increase. The collection tone of the staff will be stronger, and the frequency of calling and texting will be much higher. At that time, the normal life and work of the borrower will inevitably be affected. Late collection: For those who have defaulted on loans, ants will take legal channels through lawyers, which is the third stage of the collection process. A lawyer who borrows money from ants may send a lawyer's letter or take the debtor to court. For the debtor who ignores the legal judgment, the ant family can apply to the court for enforcement. If you are sued by Ant Financial for arrears and you receive a summons from the court, then you must appear in court on the day of the trial. If you don't go, the court will think it is a deliberate escape and the court will enforce it. If you answer the lawsuit, you can negotiate repayment with Alipay even if you have no money to pay back that day. Of course, the court will also help you mediate.